A complete personal finance system in a single XLSX file. Track income, fixed and variable expenses, debt payoff, savings goals, and net worth month over month — with totals and progress bars that update as you type.

Eight tabs, 251 live formulas:
• Start Here — a two-minute setup guide built into the workbook
• Setup — your categories, currency and emergency fund target
• Monthly Budget — planned vs actual across 12 months, with savings rate
• Transactions — optional line-by-line spending log
• Net Worth — assets minus liabilities, tracked monthly with change-on-month
• Debt Payoff — snowball and avalanche ordering, plus months-to-clear
• Savings Goals — targets, progress bars and the amount needed per month
• Dashboard — every headline number in one place

Works in Microsoft Excel and Google Sheets. Instant download. Free updates included.